An account status specifies the state of an account. Account statuses can be assigned by internal processes or they can be manually changed by the Program API, such as by using Modify Status. When changing an account status using the Modify Status endpoint, make sure the type changes the account status and not the card status only.
Account status is independent of card status. Both the account and card must be in status: N (normal, active) to perform card transactions. See Card Statuses for more information.
This table indicates whether an account status permits certain types of transactions or account updates. X means that the transaction is permitted, and other characters indicate that performing the transaction is contingent on settings and other factors.
Important
Galileo is obligated to post every transaction in a settlement file for every PAN that exists in the system, regardless of card or account status, and regardless of account balance.
Key
- Columns
- Network — Authorizations originating on the card network; an account that is not in
status: Ncan still have its authorizations settled. - Pmt — Create Payment endpoint or internal processes; payments using Create Account Transfer can be made only when the receiving account is in
status: N. - Adj — Create Adjustment endpoint or internal processes, either credit or debit, including Mastercard merchant credits
- ACH — Incoming ACH transactions, unless otherwise specified
- Update — Status changes. For updates using Update Account, the account must be in
status: N, or you can set UPDCZ to permit updates in statusesCandZ.
- Network — Authorizations originating on the card network; an account that is not in
- Symbols
- § — Merchant credits only.
- * — Network loads controlled by BLKLD.
- ** — Incoming ACH debits controlled by ACHCA.
- §§ — Incoming ACH credits controlled by ACSTS.
- ‡ — Cannot originate ACH debits.
- ⬧ — Merchant credits permitted when IGACT is set.
- ⁂ — Charged-off account status (
R) can be changed only by the Recover Charged-Off Account endpoint.
| Status | Description | Network | Pmt | Adj | ACH debit | ACH credit | Update |
|---|---|---|---|---|---|---|---|
| C | Canceled | § | * | X | ‡ | §§ | X |
| D | Disabled | § | X | X | §§ | ||
| F | Failed ID verification | ⬧ | X | X | §§ | ||
| J | Suspended/never activated | X | X | §§ | |||
| K | Suspended | ⬧ | X | X | §§ | ||
| M | Moved to new program. The cardholder has been migrated to a new program. This status is functionally identical to status: Z. | ⬧ | X | X | §§ | ||
| N | Active (normal) | X | X | X | ** | §§ | X |
| P | Passed ID verification | ⬧ | X | X | §§ | ||
| Q | Delinquent | ⬧ | X | X | §§ | ||
| R | Charged off. The account has been negative for a number of days, as defined in the CODYS product parameter, or the account was charged off by the Charge Off Account endpoint. | ⬧ | X | X | §§ | ⁂ | |
| T | ID verification in process | ⬧ | X | X | §§ | X | |
| U | Upgraded | ⬧ | X | X | §§ | X | |
| V | Application submitted. The account setup process has not completed. The exact steps in the setup process vary according to the ACSET product parameter. | X | X | §§ | X | ||
| W | Waiting to be processed | ⬧ | X | X | X | §§ | X |
| Z | Canceled without refund | § | * | X | ‡ | §§ | X |
| d | Bankruptcy discharged | X | |||||
| e | Bankruptcy dismissed | X | |||||
| f | Bankruptcy filed | X |
Related parameters
To change some properties of account statuses, you can set these parameters.
| Parameter | Description |
|---|---|
| ACHCA | Specifies whether an account must be in status: N to permit incoming ACH debits. |
| ACSTS | Contains a list of statuses that are allowed to receive an ACH credit. |
| BLKLD | Contains a list of account statuses that cannot receive card loads. Does not apply to ACH credits or API loads. Default: C,Z |
| IGACT | By default, the system allows merchant credits on cards in any status, but only allows merchant credits for account statuses N, C, D, and Z. Set this parameter to bypass account status checks for merchant credits. Keep in mind that "frozen" is not an account or card status. Furthermore, some of the account statuses above would not occur after a card's PAN has been given to a cardholder. |
| RISCS | List of card statuses that permit card reissue. Default: N,C,Z |
| STPLD | Contains a list of statuses that do not permit transactions originated by Create Account Transfer (sending account only), Create Payment, Create Adjustment, and Create ACH Transaction |